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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me


 As a mortgage professional with over 20 years of experience and a degree in Accounting from Penn State, I am available to provide knowledgeable information for all of your home financing needs. It would be a privilege to help you identify the financing solution that best meets your specific needs. 

I will provide exceptional service with a personal touch from first-time homebuyers to sophisticated jumbo borrowers or investors. I will guide you through the mortgage process step by step to ensure you understand the options available. I will follow through to your settlement and beyond. I take pride in being available for you long after your loan closing, and I'm always glad to help. If you are thinking about purchasing a home, investing in a multi-family property, or simply refinancing your current home, please give me a call. Thank you again for the opportunity to work with you. 

Leave a Zillow review! https://www.zillow.com/lender-profile/Rob%20Frey/

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
VA

VA

If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.93 out of 5.0 stars
5.0
3.75
4.98
5.0
Kelsie B
May 13, 2025
Verified

We used Rob to refinance our first house and had an amazing experience, we knew right away we would come back to him again when we found ourselves on the housing market again. Rob made the process so seamless and stress free, always explained everything thoroughly, and delivered excellent service. I would highly recommend Rob and Guild!
Gregory B
May 15, 2025
Verified

We have worked with Rob when he was with RMS and we greatly appreciated his work in getting the best rate then. This time around for us as we were shopping for a new house he was our only call and we were glad to use his services again. His personality, his willingness to explain differences and nuances of mortgages and the system we the best we could have asked for. We were always impressed with his reminders and how available he made himself for us to answer our questions. Even our real estate agent was impressed and stated that she would keep his name on the top of her list.
Gregory
May 12, 2025
York, PA
Verified

We have worked with Rob when he was with RMS and we greatly appreciated his work in getting the best rate then. This time around for us as we were shopping for a new house he was our only call and we were glad to use his services again. His personality, his willingness to explain differences and nuances of mortgages and the system we the best we could have asked for. We were always impressed with his reminders and how available he made himself for us to answer our questions. Even our real estate agent was impressed and stated that she would try to refer future clients his way.
Keri T
May 14, 2025
Verified

Rob was the most helpful and knowledgeable loan officer we’ve ever worked with. We’re so grateful for his care and the time he spent walking us through understanding the process. Highly recommend him and his team if you’re looking to buy a home in this crazy market! Thank you, Rob!!
Sara
May 12, 2025
Carlisle, PA
Verified

The team at Guild is incredibly knowledgable and makes the home buying process easy for the buyer.
Amanda
May 05, 2025
Mechanicsburg, PA
Verified

Rob was great and took care of my buyer and her needs. He was great at communicating! I would recommend him highly!

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #147464
I am authorized to do business in the state of Pennsylvania.